I went through the process of getting quoted for Private Insurance by Ottonova. I was promised during the intake process that my pre-existing condition (mild asthma and seasonal allergies for which I get treatment for through the public system) would not exclude me from their services -- other private insurers in Germany usually charge a small premium for these conditions. After already going through most of the intake which took over 2 hours of my time, during the medical evaluation, the evaluator was very unprofessional and at the end of the call informed me that I most likely would not be able to obtain insurance through them. I was asked to confirm that I have my conditions, then on the next page was told I would not be able to receive insurance, without any explanation of any kind or offer of a higher premium. When I followed up via email with my contact their, she was equally vague and unhelpful. If they refuse to treat people with rather mundane pre-existing conditions like seasonal allergies and asthma, no wonder they have so few subscribers and such a bad track record.
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